Score for Apple Card

[CS800]

I still havent applied for it yet.

I'm waiting for my Discover to report so that Barclays can give me at least half of the CL. I'm thinking a MacBook Pro and an iPad 2. So if they give me about 3k, that would be great. I only have 1 inq on my TU from Discover.

Or they might see that my Discover card is too recent and deny me.

[Anonymous]

When I apped for the Apple CC in March my TU was 797 (FICO) 27 years of history, 6yrs AAoA's, 3 inq's, 1% util, perfectly clean report.

At the time of app, My highest CL was 2000 on my AmEx Blue Cash (now 6000) and they matched it, I was not happy, so I called (three times) and finally spoke to a gentleman who was very helpful and explained that they have matched my highest CL, but he would raise my Apple CL to 2500.

To be honest, I made a mistake when apping for this card, I meant to app for the Priceline (had two tabs open and filled out the wrong app) <---Dumb me!!!! And yes I did explain I made a mistake and asked if I could PC to the Priceline, and was told I would have to re app and if approved they would slide my 2500CL from my Apple to my Priceline and just close the Apple, I just did not want two new Accts, so I decided to keep the Apple and hope it grows.

I now have CL's on other CC's of 16K 10K 6K 5K and so on, I'm not sure I'll call for a CLI or just wait to see if I get an auto CLI, I do NOT want Barclays to hard my TU for a CLI, but if I do call and ask for a CLI it will be to match my lowest prime CC @ 5K.

Best of Luck!

[mamahearts]

Sorry I'm confused is this the Apple Store card or can it be used anywhere? Thanks!

[Datx]

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@mamahearts wrote:

Sorry I'm confused is this the Apple Store card or can it be used anywhere? Thanks!

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It is a Visa card that can be use anywhere Visa is accepted, but there is special financing available on your first Apple purchase.

[mamahearts]

That's awesome.  I've been wanting to get an iPad.  Thank you!

[mAndrew1980]

I want to app this card so freaking bad it's killing me. However stupid TU is taking their sweet time deleting a baddie I had GW'ed. Maybe it's God's way of saying "you'll be rejected, don't take the inq" LOL.

[CS800]

I'm too chicken to even try it right now. I know they pull TU, so I will wait for my TU to get a bit up.

I hope they match it to my Discover; that would be the bomb.

[Anonymous]

Just applied today with a TU score around 620, was denied but called back door number and after talking to a very nice lady for 10 minutes, was approved for $1400 that I said I was using to purchase a macbook. Have 5 negatives (4 of which are falling off in the next 6 months) 7 INQ, UTL 8%.

This wraps up a very positive 24 hours

Barclay/Apple  $1400

Discover  $1000

Jareds  $4000 

[CS800]

My TU is at 55% util. I better wait until i can bring this below 30%.

[Anonymous]

I can't speak for everyone else, but my TU was at around 675 with 15+ inqs, and they declined initially, and after 2 callbacks they recon'd and gave me $1500 TL. I am thrilled with this, however, with the recon, they pulled EX, I'm in Ohio...

Though I'd love to press my luck for maybe another 1000, I don't want to jinx the already great thing that has happened to me as I know I'm sort of on the fringe of what they would consider creditworthy.

Just a heads up to anyone on this matter who DOES open a card, they are known for being Inq/Uti sensitive right after you open an account with them, so lay off the app button for a few months and don't let your uti creep up too high because they just might swoop in and CLD or cancel that nice new account